Kuap. Ru - Balance sheet with turnover of ВЕФК-УРАЛ, analysis of turnover of bank's accounts

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	VEFK-URAL	add to comparison
Central Bank of Russia registration number: 2223

IFRS reports

Financial analysis

On this page you can see aggregated balance sheet of the bank. Turnover equals to maximum of debit and credit turnover on balance sheet item for the month selected. Turnover analysis helps to highlight unusual operatios which can mean risky character of its activities. For example average cash turnover to net assets ratio on Russian banking system is 0,34. If cash turnover to net assets equals to 2-3 and payment processing is not this bank's primary business - this is the reason to think on this matter.

You can also get acquainted with balance sheet aggregation methodics.


Turnover by thous. rub.					Period change
ASSETS	27 522 233	25 874 668	31 911 709	11 480 295	-16 041 938	-58,3%
High liquid assets	20 997 326	24 357 776	25 383 209	9 496 778	-11 500 548	-54,8%
Cash and equivalents	17 180 992	19 841 116	17 175 579	8 713 521	-8 467 471	-49,3%
Cash	2 820 663	2 956 236	2 604 725	3 383 294	562 631	19,9%
in cash and en route	2 806 118	2 928 401	2 593 303	3 354 625	548 507	19,5%
in ATMs	14 545	27 835	11 422	28 669	14 124	97,1%
Nostro account with Central Bank	14 360 329	16 884 880	14 570 854	5 330 227	-9 030 102	-62,9%
Nostro accounts	3 799 002	3 457 458	2 092 968	761 910	-3 037 092	-79,9%
Non-residents	47 603	149 168	141 097	124 825	77 222	162,2%
Residents	3 751 399	3 308 290	1 951 871	637 085	-3 114 314	-83,0%
Money in transfer	17 332	1 059 202	6 114 662	21 347	4 015	23,2%
Interest-earning assets	2 260 076	171 737	4 843 075	624 523	-1 635 553	-72,4%
Dues from banks	1 622 738	838	4 701 414	2 826	-1 619 912	-99,8%
Central Bank of Russia	-	-	3 900 000	-	-	-
Residents	1 622 738	838	801 414	2 826	-1 619 912	-99,8%
up to 30 days	1 200 000	-	800 000	-	-1 200 000	-100,0%
up to 180 days	400 000	-	-	-	-400 000	-100,0%
more than 180 days	22 738	838	1 414	2 826	-19 912	-87,6%
Securities	3 044	2 297	53 506	-	-3 044	-100,0%
Bonds	3 044	2 297	53 506	-	-3 044	-100,0%
Federal Loan Bonds (OFZs), OBRs	2 223	2 297	740	-	-2 223	-100,0%
Valuation allowance	821	-	52 766	-	-821	-100,0%
Promissory notes	-	-	-	-	-	-
Corporate	-	-	-	-	-	-
Provision for impairment of promissory notes	-	-	-	-	-	-
Loans to corporate clients	608 498	149 257	68 782	584 129	-24 369	-4,0%
residents	562 238	135 331	52 025	345 340	-216 898	-38,6%
up to 30 days	87 238	83 331	48 625	16 340	-70 898	-81,3%
up to 180 days	450 000	40 000	3 400	300 000	-150 000	-33,3%
up to 1 year	25 000	12 000	-	29 000	4 000	16,0%
up to 3 years	-	-	-	-	-	-
Past-due	35 596	12 255	11 705	185 986	150 390	422,5%
residents	35 596	12 255	11 705	185 986	150 390	422,5%
Provision for impairment of corporate loans	10 664	1 671	5 052	52 803	42 139	395,2%
residents	10 664	1 671	5 052	52 803	42 139	395,2%
Loans to individuals	25 194	19 108	16 979	7 108	-18 086	-71,8%
Standard	22 015	13 940	13 107	2 584	-19 431	-88,3%
up to 30 days	2 826	3 521	2 022	1 913	-913	-32,3%
up to 180 days	-	100	-	-	-	-
up to 1 year	-	-	-	-	-	-
up to 3 years	6 714	7 488	9 950	60	-6 654	-99,1%
more than 3 years	12 475	2 831	1 135	611	-11 864	-95,1%
Past-due	1 973	2 420	2 578	2 845	872	44,2%
Past-due	1 973	2 420	2 578	2 845	872	44,2%
Provision for impairment of loans to individuals	1 206	2 748	1 294	1 679	473	39,2%
Provision for impairment of loans past-due	602	237	2 394	30 460	29 858	4 959,8%
Other assets	4 264 831	1 345 155	1 685 425	1 358 994	-2 905 837	-68,1%
Mandatory reserves with Central Bank	13 391	-	130	-	-13 391	-100,0%
Premises and equipment	642	779	394 347	646	4	0,6%
Purchase cost	642	779	394 347	646	4	0,6%
Depreciation	-	-	-	-	-	-
Accrued interest not yet received	30 107	31 799	30 019	28 174	-1 933	-6,4%
Non-current assets	-	-	-	-	-	-
Other assets	4 214 030	1 308 621	1 256 130	1 319 624	-2 894 406	-68,7%
Provision for impairment of other assets	6 661	3 956	4 799	10 550	3 889	58,4%
LIABILITIES	25 784 963	25 169 532	21 854 456	16 442 810	-9 342 153	-36,2%
Dues to banks	3 189 643	5 183 133	4 015 218	1 602 967	-1 586 676	-49,7%
On demand	124 000	45 000	6 000	9 947	-114 053	-92,0%
Residents	124 000	45 000	6 000	9 947	-114 053	-92,0%
Term	980 863	2 005 814	100 000	650 000	-330 863	-33,7%
Central Bank of Russia	980 863	2 005 814	100 000	-	-980 863	-100,0%
up to 30 days	980 863	2 005 814	100 000	-	-980 863	-100,0%
Residents	-	-	-	650 000	650 000	-
up to 180 days	-	-	-	650 000	650 000	-
Other dues to banks	2 084 780	3 132 319	3 909 218	943 020	-1 141 760	-54,8%
On demand	18 884 776	19 502 792	17 602 606	14 524 292	-4 360 484	-23,1%
Corporate clients	18 077 983	19 016 625	17 517 053	14 356 277	-3 721 706	-20,6%
State-owned enterprises	13 150 551	14 483 330	14 100 482	9 298 194	-3 852 357	-29,3%
Residents	4 925 515	4 531 790	3 415 288	5 056 164	130 649	2,7%
Non-residents	1 917	1 505	1 283	1 919	2	0,1%
Individuals	806 793	486 167	85 553	168 015	-638 778	-79,2%
Residents	806 764	486 167	84 329	168 015	-638 749	-79,2%
Non-residents	29	-	1 224	-	-29	-100,0%
Brokerage accounts	-	-	-	-	-	-
Residents	-	-	-	-	-	-
Term	314 881	208 288	71 646	81 644	-233 237	-74,1%
Corporate clients	50 740	46 781	22 885	568	-50 172	-98,9%
Residents	6 225	28 200	22 023	83	-6 142	-98,7%
up to 30 days	-	-	-	-	-	-
up to 180 days	6 225	27 200	22 023	83	-6 142	-98,7%
up to 1 year	-	1 000	-	-	-	-
up to 3 years	-	-	-	-	-	-
State-owned enterprises	44 515	18 581	862	485	-44 030	-98,9%
up to 1 year	44 515	18 581	862	485	-44 030	-98,9%
Individuals	264 141	161 507	48 761	81 076	-183 065	-69,3%
residents	264 141	161 507	48 754	81 060	-183 081	-69,3%
up to 30 days	20	20	13	11	-9	-45,0%
up to 180 days	191 942	50 901	10 289	20 930	-171 012	-89,1%
up to 1 year	34 252	34 791	20 529	7 521	-26 731	-78,0%
up to 3 years	37 907	75 775	17 911	52 587	14 680	38,7%
more than 3 years	20	20	12	11	-9	-45,0%
non-residents	-	-	7	16	16	-
up to 1 year	-	-	7	16	16	-
Other liabilities	3 395 663	275 319	164 986	233 907	-3 161 756	-93,1%
Other liabilities	3 391 659	268 863	163 115	226 553	-3 165 106	-93,3%
Accrued interest not yet paid	4 004	6 456	1 871	7 354	3 350	83,7%
EQUITY	76 288	86 855	151 316	180 954	104 666	137,2%
Capital	-	36 994	-	-	-	-
Profit from previous years	-	-	-	-	-	-
Retained earnings from previous years	-	-	-	-	-	-
Current year profit	76 203	49 585	151 299	180 838	104 635	137,3%
Current year retained earnings	76 203	49 585	151 299	180 838	104 635	137,3%
Future expenses	85	276	17	116	31	36,5%
OFF-BALANCE SHEET	673 715	202 156	77 320	130 813	-542 902	-80,6%
Contingent liabilities	523 268	99 964	53 486	63 298	-459 970	-87,9%
Guarantees issued	6 687	1 123	-	15 060	8 373	125,2%
Unused credit limits opened	516 581	98 841	53 486	48 238	-468 343	-90,7%
Collateral on loans	150 192	101 901	23 576	64 899	-85 293	-56,8%
goods	150 192	101 901	23 576	64 899	-85 293	-56,8%
securities	-	-	-	-	-	-
Other off-balance sheet accounts	255	291	258	2 616	2 361	925,9%
Accrued interest not yet received	203	223	208	2 551	2 348	1 156,7%
Written-off interest	21	28	21	27	6	28,6%
Written-off loans	31	40	29	38	7	22,6%
Credit card balances	2 826	3 521	2 022	1 913	-913	-32,3%
Past due ratio, total	-	-	-	-	-	-
Past due ratio, individuals	-	-	-	-	-	-
Past due ratio, corporates	-	-	-	-	-	-
Past due ratio, corporates + entrepreneurs	-	-	-	-	-	-